Accepting new buyers — Q1 2026

Real-time, exclusive
mortgage leads.

Consumers are applying for loans with us right now. We pull credit, verify the property, and pre-qualify them for your product — then deliver the lead exclusively to you in real time, while the applicant is still on-site.

Get a Custom Quote → View Products
WHAT WE VERIFY — CASH-OUT REFI Real-time verification
Sarah M. Johnson
4217 Cedar Elm Dr, Austin, TX 78745
Inquiry: Personal Loan
From Credit Pull
Score684
Mortgage Bal$274,500
Loan TypeConv
OriginatedSep 2022
StatusCurrent
Est. Rate6.8%
Unsecured Debt$38,200
Current DTI42%
Est. DTI w/ Consol*34%
From Property API
Home Value$415,000
Equity$140,500
Lendable Equity$57,500
LTV66.1%
PropertySFR
OccupancyOwner Occ
*Internal verification — buyers receive PII, property data, and a qualification array. See "What you receive" below.
Exclusive — Verified Qualifies: Cash-Out Refi
✓ Real-time — applicant is still on-site
✓ Exclusive — one buyer per lead
✓ Credit + collateral verified
✓ Pre-qualified to your lending box
Process
How it works
Every lead goes through a two-stage verification — credit pull, then property APIs — before being screened against your box and delivered exclusively in real time.
01

Consumer Applies

Consumer submits a loan application through our financial services network. Full PII captured with TCPA-compliant consent.

02

Credit Pull

Real-time credit pull on every applicant. We see tradelines, balances, payment history, score, and whether they carry a mortgage.

03

Property Verification

When a mortgage is detected, we hit property-level APIs — AVM, LTV, equity, property type. Credit and collateral are verified, then screened against your lending box.

04

Delivered Exclusively

The lead is sent exclusively to you in real time — while the applicant is still on-site. Direct post, linkout, or dynamic bid. One buyer per lead.

Products
Pre-qualified for your product.
Delivered exclusively in real time.
Tell us your lending box. We screen every applicant against your criteria and deliver only qualified leads — exclusively to you, while they're still on-site.
Cash-Out Refinance
Active loan applicants with a confirmed mortgage on credit and verified equity from property APIs. Score, balance, LTV, and home value are all confirmed before delivery — pre-qualified for your cash-out program.
$85K+
Avg equity
640+
Avg score
3,000
Daily capacity
65–80%
Avg LTV
Configurable Filters
Credit Score
580+620+660+700+740+
LTV
<60%60-70%70-80%80-90%
States
All 50Custom
Property
SFRCondoTownMulti
Mortgage Age
12+ mo24+ mo36+ mo
HELOC / Home Equity
Applicants with a low-rate first lien and verified high equity — better suited for a second lien than a refi. Mortgage balance from credit, home value from property APIs, CLTV calculated and screened for your HELOC guidelines.
$100K+
Avg equity
660+
Avg score
2,000
Daily capacity
55–75%
Avg CLTV
Configurable Filters
Credit Score
620+660+700+740+
CLTV
<60%60-70%70-80%
Equity
$50K+$75K+$100K+$150K+
States
All 50Custom
Rate & Term Refinance
Applicants carrying above-market rates based on mortgage origination date from credit data. Property APIs confirm current value and LTV. Pre-qualified for your rate-and-term program — strong conversion when rates drop.
6.5%+
Est. rate
$260K
Avg balance
5,000
Daily capacity
660+
Avg score
Configurable Filters
Origination
2022–20242021–2024Custom
Credit Score
620+660+700+740+
Balance
$100K+$200K+$300K+$500K+
States
All 50Custom
Reverse Mortgage (HECM)
Applicants 62+ confirmed by DOB on credit. Property APIs verify home value and equity position. Low volume, high value — every lead is fully qualified for HECM eligibility on both credit and collateral.
62–85
Age range
$150K+
Avg equity
500
Daily capacity
$320K+
Avg home value
Configurable Filters
Age
62+65+70+
Home Value
$150K+$200K+$300K+$500K+
Mortgage Status
Has mortgageFree & clear
States
All 50Custom
Non-QM / Alt-Doc
Applicants who don't fit agency guidelines — self-employed, bank statement income, asset depletion, DSCR investors. Credit and property data confirm homeownership and equity. Pre-qualified for your non-QM programs.
580+
Min score
$75K+
Avg equity
1,200
Daily capacity
Multi
Loan types
Configurable Filters
Credit Score
580+620+660+700+
Loan Type
Bank StmtDSCRAsset DepBridge
LTV
<70%70-80%80-90%
States
All 50Custom
Verification
We see everything.
You get the qualified result.
Every lead goes through a two-stage verification. We see the full credit file and property data internally. You receive the PII, property details, and a qualification array confirming the lead meets your criteria.
Stage 1 — Credit Bureau

Credit Verified

Credit pull on every applicant. When a mortgage tradeline is detected, we move to stage 2.

✓ Active mortgage tradeline confirmed
✓ Current balance and payment status
✓ Origination date and estimated rate
✓ Credit score and derogatory flags
✓ Full tradeline data for DTI calculation
✓ SSN-verified identity match
Stage 2 — Property APIs

Collateral Verified

Once a mortgage is confirmed on credit, we pull property-level APIs to complete the picture. Now we have both sides — credit and collateral — to qualify against your box.

✓ Automated valuation (AVM)
✓ LTV / CLTV calculated from balance + value
✓ Estimated available equity
✓ Property type classification
✓ YoY appreciation in zip
✓ County and MSA market data
Delivery
Three ways to buy
Pick the integration that fits your operation. All methods are real-time with configurable caps and filters.
01

Direct Post — API

Full lead data posted exclusively to your CRM or endpoint the moment the applicant qualifies. Real-time delivery while the consumer is still on-site. You set the filters, we post what matches.

02

Linkout — Click Redirect

Consumer redirected to your landing page or application in real time — they're still in-session, actively seeking financing. Every click is a credit-verified, exclusive homeowner with equity.

03

Dynamic Bid — Ping/Post

Receive a real-time ping with lead attributes while the applicant is on-site. Bid based on score, LTV, equity, state, and product type. Win the exclusive and we post the full lead instantly.

Your Payload
What you receive
Full PII, property data, and a verified qualification array. Every flag is backed by our internal credit and collateral verification — you get the qualified result, not raw bureau data.
POST /api/v1/leads — 200 OKEXCLUSIVE — VERIFIED
Consumer
full_name "Sarah M. Johnson"
phone "(512) 555-0147"
email "sarah.johnson@email.com"
dob "1979-03-15"
address "4217 Cedar Elm Dr, Austin, TX 78745"
ssn ***-**-4821 (full provided)
inquiry_reason "Personal Loan"
Property
avm "$415,000"
avm_confidence 84
est_equity "$140,500"
lendable_equity_80 "$57,500"
ltv "66.1%"
property_type "SFR"
occupancy "Owner Occupied"
yoy_appreciation "+3.8%"
msa "Austin-Round Rock, TX"
Qualification (verified by our credit + collateral engine)
product "Cash-Out Refi"
tier "B"
credit_verified true
score_range "680-699"
mortgage_current true
mortgage_lates_12mo 0
mortgage_type "CONVENTIONAL"
is_arm false
ltv_under_80 true
equity_above_50k true
owner_occupied true
dti_under_43 true
dti_post_consol_under_43 true
has_unsecured_debt true
unsecured_balance_range "$30K-$50K"
no_second_lien true
no_active_bk true
no_active_foreclosure true
FAQ
Common questions
What makes these leads different?+
These are real-time, exclusive loan applicants — not aged lists, not shared leads. A consumer applies with us, we pull credit, verify the property through APIs, pre-qualify them for your product, and deliver the lead to you while the applicant is still on-site. One buyer per lead. You're the first and only call they get.
Where do these consumers come from?+
Consumers apply for lending products through our financial services network. They're actively seeking financing — cash, debt solutions, personal loans. As part of that application, we pull credit with their consent. When we identify a homeowner with equity who fits your product criteria, we route them to you. These are people in-market for financial solutions right now.
Are they shopping for a mortgage specifically?+
Not always — and that's actually a strength. These are consumers actively applying for financing who happen to be homeowners sitting on equity. They need money and they have a house. A cash-out refi, HELOC, or reverse mortgage may be the best product for their situation — they just haven't been presented with it yet. You're the one who presents it.
How does the dynamic bid work?+
We ping you with lead attributes — credit score, LTV, equity, state, property type — before you commit. You bid in real time based on what the lead is worth to your lending box. You only pay for leads you accept. This gives you full control over cost per acquisition.
What data do I receive with each lead?+
You receive full consumer PII (name, phone, email, DOB, address, SSN), the stated inquiry reason, property data (AVM, equity, LTV, property type, occupancy), and a qualification array — a set of verified boolean flags confirming the lead meets your lending criteria. Flags include things like credit_verified, mortgage_current, ltv_under_80, dti_under_43, owner_occupied, and more. You also receive a score range and tier. You don't receive raw credit bureau data — you receive the verified qualification result.
What does pricing look like?+
Pricing varies by product type, filters, delivery method, and volume commitment. Contact us for a custom quote. Orders are prepaid weekly based on your daily volume requirements.
Do I need an NMLS license?+
We sell to licensed mortgage lenders, brokers, and their authorized marketing partners. NMLS licensing and state authorizations are verified during onboarding.
What's the consent chain?+
Consumers provide TCPA-compliant consent during their initial financial inquiry, covering contact by our network of mortgage lending partners via automated calls, texts, and emails. Full consent documentation available for compliance review.
Get Started
Tell us your lending box
Send us your product criteria and we'll build a program. Most buyers are live within 48 hours.
Cash-Out Refi HELOC Rate & Term Reverse Non-QM

Why buyers work with us

Real-time, exclusive loan applicant leads — verified on credit and collateral, pre-qualified for your product, delivered while the consumer is still on-site.

Real-time & exclusive
The consumer just applied. One buyer per lead. You're the first call — not the fifth.
Credit + collateral verified
Credit pull confirms the borrower. Property APIs confirm the home. Both sides verified before delivery.
Pre-qualified to your box
Score, LTV, equity, property type, state — we screen against your criteria so you only see leads that fit.
Clean consent chain
TCPA-compliant opt-in on every consumer. Documentation available for review.
Your filters, your box
Score, LTV, state, property type, equity range, mortgage age — you define what qualifies.